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Government of India has adopted various initiatives to deal with poverty, but all
face various challenges
At 270 million persons, India has the largest concentration of poor in the world1
1 India has 17% of the worlds population but over 22% of the worlds poor2
2 On average, economic growth was 6%, but poverty reduction was 2% in the last 20 years 3
Leakages
Implementation & Monitoring
Targeting and authentication
61% of the eligible population was excluded from the BPL list while 25% of nonpoor households were included.7
Authentication of end-users is not accurate or transparent.
Page 2
Total transparency
Proper accounting
in allocation &
allotment
No fictitious
beneficiary
Efficient Planning :
Improve intra-stakeholder collaboration to ensure efficiency
Accountability :
Enhance program accountability by greater citizen participation
Accessibility to
information access
to all levels
Page 3
Transparency in System:
Enhance transparency to mitigate leakages and diversion of funds by generating
possibility of social audit
OBJECTIVES
Strengthen the
demand side
STAGE 2:
Readiness
STAGE 1: Strategy/
Policy
Develop high level social
protection strategy
Develop regulatory
frameworks (policy,
technology, regulatory) and
measurement indices
(Inclusion Index)
Page 4
Technology
Communication infrastructure
Transaction authorization
system through mobile
Virtual accounts and payment
platforms
STAGE 3:
Implementation/
Process
Activate last mile electronic
payments
Design and track monitoring
parameters
Support capacity building to
achieve sustainability
The ICT solutions developed by the Government to ensure digital social and financial
inclusion
Service Providers perspective
G2P
Services & ICTbased
POS
Unified
Payments &
Mobile money
e-KYC &
Digital
Literacy
Page 5
Beneficiary Perspective
Program
monitoring
analytics
Ben. Entitlements
databases
Open-platform
data exchanges
Case Study
Direct Benefit transfer of LPG
Direct Benefit transfer of LPG (PAHAL) is the worlds largest `Direct Benefit Transfer Scheme
Key challenges
Open-ended subsidies with no rationing or segmentation criteria
have been leading to increase in subsidy burden on Government
Ghost accounts resulting in more than one connection in each
household
Fake orders due to a lack of adequate authentication process
Use of alternative fuels such as kerosene by low income groups as
subsidy did not reach the right beneficiary
High subsidy burden on the Government
Dubious connections
identified by Oil
Marketing Companies
39.3%
Estimated savings in
2014 and 2015 due
to blocking fake
connections
` 21,000 cr
Case Study
Patient care & disease management leveraging ICT
With 2.2 million cases, India has approximately 20% of the global TB burden
Patna
Mehsana
6,036
1,543
Mumbai
37,647
5,319
62,715
4,928
Nagpur
1,311
700
Page 7
Government is treading towards Presence-less, paperless and cashless service delivery built on
JAM
J
Jan Dhan Yojana
A
Aadhaar
M
Mobile number
Consent layer
Provides a privacy data
sharing framework
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Cashless layer
Electronic payment systems
& transition to cashless
economy
Paperless layer
Growing base of paperless
systems with billions of
artefacts
Presenceless layer
Unique digital biometric
identity with open access of
more than a billion